Investing in real estate offers lucrative benefits. These investments can generate a steady flow of income, allowing owners to capitalize on their efforts and improve their financial outlook. Those who want to get started in real estate investment have many options. Investors must decide whether to invest in multi-family or single-family dwellings. Which of these is the best investment? Both have pros and cons, depending on a person’s investment needs. Understanding the Differences Between Single-Family and Multi-Family Homes Those new to investing in real estate may not understand the differences between single-family and multi-family dwellings. A single-family home is a
Thomas began to work in mortgages through family ties. As the brother of Mike Rakeman, Thomas watched Fellowship built from the ground up. He wanted to support and help Fellowship grow in whatever way possible. With a degree in mathematics, numbers have always been his expertise. Participating in the finance world before studying mortgages, he found that each component of his background experience would come together at Fellowship.
Thomas speaks very highly of the clientele that he serves, “The people who come to us, they are all extremely gracious. We have such a good pool of borrowers who come through the door, with hold-strong principles.”
One of the main pillars of Fellowship business is the loyalty and devotion to serving the community. Everyone working at Fellowship is striving for the same goals, and everyone has the ideal interests of others at heart. This approach of unifying the staff pushes everyone forward in the most positive way. As Thomas notes, “At the end of the day, we are willing to help our borrowers however possible.”
Lastly, Thomas has been honored to serve as a volunteer firefighter in his community for the past 16 years. In his spare time, he plays the drums in a number of musical projects. With a background in classical percussion and jazz, music is a way he stays connected with himself. Thomas also spends a lot of time with his family, and is married with a son.
Thomas is truly a mortgage expert who has become a valuable and trusted adviser for his clients. Thomas relies on his vast experience when advising his clients on their ideal loan options and helping them successfully accomplish their mortgage goals no matter what they are seeking.
He has also worked with clients from all walks of life and helped thousands of people find the perfect mortgage option. Throughout the years, Thomas has established a reputation for being an honest mortgage professional, and many of his clients have followed him from his prior work experience in the retail mortgage world to Fellowship Home Loans.
Through Fellowship Home Loans, Thomas offers a wide range of mortgage services including home purchase loans and mortgage refinance loans. Refinance options include the HARP program, Adjustable Rate Loans, Conventional and FHA Financing and Fixed Rate Loans. Purchase loans include Fixed Rate Loans, Adjustable Rate Loans, FHA Financing, and VA Home Loans.
Thomas analyzes each client’s situation and fully explains the drawbacks and advantages of each loan type. Thomas spends the necessary time to learn about each client’s unique goals and financial situation. He looks at every possible loan option that they are eligible for before advising his clients on what he believes is their absolute ideal choice.
Thomas takes a customer focused approach to each and every mortgage he finds for his clients. He fully explains the terms of each loan so that clients have a full education and understanding of their obligation to repay and their expected monthly costs during the life of the loan. He encourages his customers to ask questions throughout the process, and he goes the extra mile to make himself available for support.
The mortgage services that Thomas offers through Fellowship Home Loans are based on the principles of honesty, compassion and love for God. Every client receives the full attention and support that they need as they accomplish their dream of owning a home or their goal of finding a great refinance loan. Thomas always strives to ensure that every client ends up with their ideal home loan with the most competitive cost possible, along with manageable payments.
"Tom was super friendly and professional." – Richard W - Conowingo, MD
“I'm a full time single mother of 2 young daughters and this company has been such a blessing to us. Due to unfortunate circumstances, I had to quickly refinance my home within a strict timeframe & a poor credit score. Tom not only met the stringent timeframe, but he beat it! He kept in close contact with me to keep me updated and was a pleasure to work with. No need to look anywhere else, this is your company!” – Melanie K - Bel Air, MD